QUALICONSTRUCT 5000
ActiveQUALICONSTRUCT 5000 has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €499k and a net result of €27k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 54% of 2025 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
79
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability27▼-15
Solvency82▲+5
Growth78=
Stability100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 1.62 against 1.62 in 2024), but 54.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Ten signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
45.5%
Return on assets
2.4%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €499k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
25 d late
2023
30 d late
2022
30 d late
2021
31 d late
2020
18 d late
2019
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€27k▼ 31.8%
2024 · €39k
2018: €10k
2019: €3k
2020: €-3k
2021: €-16k
2022: €12k
2023: €11k
2024: €39k
2018 → 2025
Working capital
€272k▼ 2.6%
2024 · €280k
2018: €312k
2019: €328k
2020: €322k
2021: €300k
2022: €317k
2023: €307k
2024: €280k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€410k-€422k▲ 2.9%€433k▲ 2.6%€472k▲ 9.1%€499k▲ 5.7%
Operating result€17k-€47k▲ 183%€53k▲ 13.1%€86k▲ 61.7%€66k▼ 23.1%
Net result€-16k-€12k€11k▼ 8.4%€39k▲ 263%€27k▼ 31.8%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 23% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.10M
Fixed assets
€385k▼ 5.3%
Current assets
€711k▼ 2.9%
Equity and liabilities €1.10M
Equity
€499k▲ 5.7%
Debt
€597k▼ 10.4%
The debt ratio falls from 58.5% to 54.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€116k▼
2024 · €123k
Cash flow
€77k▲
2024 · €75k
Solvency
45.5%▲
2024 · 41.5%
Current ratio
1.62▲
2024 · 1.62
Quick ratio
1.59▲
2024 · 1.37
Debt / equity
1.20▼
2024 · 1.41
ROE
5.4%▼
2024 · 8.3%
ROA
2.4%▼
2024 · 3.5%
Interest coverage
4.21▲
2024 · 3.49
Debt
€597k▼
2024 · €666k
Debt ≤ 1 year
€438k▼
2024 · €452k
Debt > 1 year
€159k▼
2024 · €205k
Income taxes
€12k=
2024 · €12k
Staff costs
€114k▼
2024 · €146k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.14M€1.10M▼
Fixed assets21/28€407k€385k▼
Tangible fixed assets22/27€406k€385k▼
Land and buildings22€290k€270k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€17k€38k▲
Leasing and similar rights25€96k€74k▼
Financial fixed assets28€650€650=
Current assets29/58€732k€711k▼
Stocks and contracts in progress3€113k€12k▼
Stocks30/36€10k€10k=
Contracts in progress37€103k€2k▼
Amounts receivable within one year40/41€468k€679k▲
Trade receivables40€425k€658k▲
Other amounts receivable41€43k€22k▼
Cash at bank and in hand54/58€143k€15k▼
Deferred charges and accrued income490/1€8k€4k▼
Equity and liabilities
Total equity and liabilities10/49€1.14M€1.10M▼
Equity10/15€472k€499k▲
Contributions10/11€100k€100k=
Capital10€100k€100k=
Issued capital100€100k€100k=
Reserves13€14k€14k=
Non-distributable reserves130/1€10k€10k=
Legal reserve130€10k€10k=
Distributable reserves133€4k€4k=
Profit (loss) carried forward14€359k€385k▲
Amounts payable17/49€666k€597k▼
Amounts payable after more than one year17€205k€159k▼
Financial debts170/4€205k€159k▼
Amounts payable within one year42/48€452k€438k▼
Current portion of amounts payable after more than one year42€48k€46k▼
Financial debts43€225k€225k=
Credit institutions430/8€225k€225k=
Trade debts44€152k€132k▼
Suppliers440/4€152k€132k▼
Taxes, remuneration and social security45€19k€27k▲
Taxes450/3€1k€13k▲
Remuneration and social security454/9€18k€14k▼
Other amounts payable47/48€8k€8k=
Accrued charges and deferred income492/3€9k-
Income statement
Code20242025
Remuneration, social security and pensions62€146k€114k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€50k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€117k-
Other operating charges640/8€5k€4k▼
Non-recurring operating charges66A€15k-
Gross operating margin9900€405k€234k▼
Operating profit (loss)9901€86k€66k▼
Financial income75/76B€28€65▲
Recurring financial income75€28€65▲
Financial charges65/66B€35k€28k▼
Recurring financial charges65€35k€28k▼
Profit (loss) for the period before taxes9903€51k€39k▼
Income taxes67/77€12k€12k=
Profit (loss) for the period9904€39k€27k▼
Profit (loss) for the period to be appropriated9905€39k€27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€359k€385k▲
Profit (loss) brought forward from the previous period14P€319k€359k▲
Social balance
Average headcount (FTE)90873.52.5▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 25 days late
2024
31-12
Financial
Highest result since 2018net €39k ▲263%
Operating result €86k, net result €39k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
31-12
Financial
Back to profitnet €12k
Net result €12k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €-16k
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 18 days late
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 92 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2023
Matei Stefan BANICA
CurrentDirector · since 06-10-2023
06-10-2023
Matei Stefan BANICA: Appointed as Director
06-10-2023
Vasilica DULGHERU: Resigned as Director
Location & real-estate footprint
Registered office, Elsene · 2 establishment units since 1998
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Louizalaan 541050 ElseneGround area
2,295 m²
Building footprint
1,721 m²
Volume, LiDAR
38,210 m³
2 parcels, Brussels, Wallonia · tallest building 33.9 m, ±9 floors. Linked by address, not a title deed.
2 establishment units
Rue de Marly, Annevoie 12B, 5537 Anhée
since 19982.086.699.434
QUALICONSTRUCT 5000
since 20212.314.590.640
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0001/00L000 | Brussels | 1,625 m² | 1 · 1,286 m² | 33.9 m · 9 fl. |
| 91006D0493/00X000 | Wallonia | 671 m² | 1 · 435 m² | 10.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Parret
BE 0726.956.008
Ieper · Eq €497k
Sander Bombeke
BE 0715.562.070
Laarne · Eq €497k
Franck et Fils
BE 0446.546.329
Blégny · Eq €501k
GORIS TIMMER- EN DAKWERKEN
BE 0763.728.708
Sint-Katelijne-Waver · Eq €497k
Dakwerken Sneyers
BE 0847.640.141
Herenthout · Eq €502k
Of 8,479 companies in sector 43410 we hold annual accounts for 4,308. 2,845 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded29-04-1998
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
43990Other specialised construction activities
43999Specialised construction activities
45220
45250
43120Site preparation
43221Plumbing work
43230Insulation installation
43291Specialised construction activities
43320Joinery installation
45112
45332
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.